1, what's the use of sesame?
Sesame Branch is Alipay's personal credit evaluation and credit management organization. Through big data analysis, it integrates all aspects of users' information and evaluates users' credit. Any business in need can sign an agreement with Ali, and with the consent of the user, it can check personal credit, which will bring some convenience to the user's life, such as free deposit and visa-free certification materials.
1) Car rental is free of deposit.
If the sesame score is above 650, you can rent a car without a deposit, such as CAR Inc. and Hi.
2) Stay in a hotel and rent a house free of deposit.
Hotels that have signed an agreement with Alipay can stay free of deposit and check out if the sesame score is higher than a certain level. Currently it supports Chengdu, Wuhan, Beijing, Hangzhou and other cities.
3) The loan is free of deposit
Alipay has the function of borrowing things, as well as numbers, mobile phones, books, toys and so on. It has been rented out, and there is no deposit. For example, I went out to travel some time ago and rented gopro, which was without deposit.
4) visa-free information
You don't need to submit a lot of property certificates, employment certificates and other materials to apply for visas in Canada and other countries.
2. How to improve sesame score?
Sesame has many uses and brings a lot of convenience to life, so how to improve sesame? Sesame credit score is mainly determined by five dimensions: identity, performance ability, credit record, personal relationship and behavior preference. Improving sesame credit score needs to be considered from five dimensions.
1) Improve personal information
Bind personal provident fund, vehicle information, real estate information, etc. , and improve personal information.
2) Alipay Finance
Save spare money in Yu 'ebao and buy wealth management products in Alipay. As long as there is a stable financial investment every month, the sesame credit score should be able to rise.
3) Use Alipay more.
Usually, Alipay is used more when shopping online. When Taobao pays, you can give priority to using flower buds and make a record of repayment on time.
In short, many people may have used Alipay for many years and paid little attention to sesame credit, and they don't know what sesame credit is for. According to your sesame credit score, go to the Alipay homepage, and then open Sesame Credit to see what "treatment" you can enjoy.
I'm sorry to tell you that the sesame score of 700 won't change much. This is the fact that I, who scored 772 points, told you.
Many people feel that their sesame score is low and they can't enjoy many Alipay services, so they keep trying to meet some of Alipay's needs, hoping that they can get a good return after improving their sesame score. This idea is obviously wrong. Nowadays, sesame seeds are just chicken ribs, and they can't get the services they really need.
At present, sesame credit is divided into five parts: no charge, first enjoyment, exclusive enjoyment, quick handling and finance.
1, free: this piece is actually * * * enjoying the economy, that is, renting things, and there is no service that needs more than 700 points. * * * 650 points is enough to enjoy the car, 600 points to borrow an umbrella, and 550 points to rent a car, rent something, enjoy a bicycle and rent a charging treasure. So your 700 points are useless.
2. Enjoy first: The core service of this park is mutual treasure. Now you can participate in this as long as 600 points. I think it was 650 points. Can you reduce it? Then there is the online riding, and the score is only 350 points. Is it necessary to use sesame seeds for this basic travel service? In addition, there is a credit purchase service here, which is a mode of trying first and paying later. 650 points is enough.
3, special benefits: here are mainly some offline preferential activities, requiring a score of 650 points. But I have to congratulate you here. 700 points can finally come in handy. The charging pile service here is only available to users with 700 points, but you have to have an electric car first, of course, a four-wheeled scooter (non-elderly scooter).
4. Quick processing: This is mainly the three core services of goods recovery, visa processing and international tax refund. There's really nothing to say. We still need to recycle the goods with sesame seeds, but we don't need to ask for it, just 580 points. You can also use the rest of the international tax rebate. Congratulations on reaching the standard again. After shopping abroad, it is quite convenient to buy it at buy buy and get a tax refund. As for the visa service, it is to use ant points to make financial reports, but not 700 points. This needs 750 points. For example, people like me with a score of 772 can use it.
5. Finance: There is nothing in this piece, just small cash, flower beds and other borrowing services. In fact, the essence of this thing has little to do with sesame seeds, but is more based on your actual situation. For example, if you know that you are a person who is short of money and have basic credit, you will lend you money and then give you more according to your daily consumption and behavior. People like me who don't pay Alipay borrow money to spend can't get high marks. For example, people who reserve money think that I am not qualified and can't drive at all.
I wonder if the subject will have a more comprehensive understanding of sesame after reading my answer. Judging from the above five functional services of Sesame Credit, ordinary services can be realized as long as 550 points. By 650, you can use most services, including relatively useful services such as bicycle sharing and mutual treasure, while charging piles, international tax rebates and visa services can be used for three services that require more than 700 points.
Summary: Generally speaking, sesame seed is a chicken rib gadget, which is of great significance to Alipay, because you can get more comprehensive data. Many users contribute to Alipay's big data in order to score high, and constantly improve their personal information. Contrary to expectations, the above services are mostly useless.
Now the watershed of Alipay Sesame Credit should be 750 points. 700 points, and there are some things we can't enjoy. Above 750 points, basically everything in sesame credit can be used!
We can make an analogy, why are there still 700 users missing? For example, we want to travel to Canada and apply for a visa. Sesame scored 700 points, but I was stuck trying to get a visa. The reason is that if you want to prove the economy and performance ability of a Canadian visa, you must score above 750! Your 700 points, you can go to Latvia or Argentina to see Messi.
At this time, you will definitely ask, why do some people have high credit scores? Some people have low credit? Alipay's answer is very interesting:
If we understand it, it is to use Alipay more for consumption. If you spend money or borrow money to repay on time, it actually has something to do with your credit line.
Alipay suggested upgrade method:
Our suggestion is that doing more Alipay public welfare is actually very helpful to improve the credit score.
What's the use if our credit score is raised to 700 or higher? Alipay divides the application of Sesame Credit into five categories, including free, first come, first served, exclusive welfare, quick handling and finance. For example, if we go to a hotel, we don't need to pay a deposit. If we want to enjoy the charging treasure with * * *, we don't need a deposit. As mentioned above, Alipay can also provide the financial proof we need to apply for a visa. The most important thing is that Sesame's credit score is high, and our loan and consumption quota will be affected.
Maintaining a good credit line is really helpful for paying for life, not just Alipay!
Hello, friends!
After Alipay's sesame credit score reaches 700, your sesame branch will look better and you can be beautiful in your heart. Your credit rating also belongs to a particularly excellent category, and there will be more preferential activities waiting for you in the future.
Sesame points look better.
The sesame score reached more than 700 points, and the sesame branch looks better. It must look good to open Alipay every day. Sesame score has reached more than 700 points, which is why you keep spending on Taobao and using tools such as ant flower buds, so that you can slowly accumulate such scores.
Scoring sesame seeds above 700 points can't bring you some obvious benefits, which are basically benefits that can be used or not, such as renting bicycles, cars and charging treasures without deposit. What are the priority functions, exclusive functions and some shortcut functions? In fact, many of these functions can not be obtained by sesame seeds with 700 points.
If the sesame score is above 700, Alipay will think that you are a person with more spending power and a person with consumption concept, which will give you some small sweetness. The purpose is to make you spend more money and spend more, and Alipay can earn more. This may also be a purpose of Alipay to make sesame seeds.
So overall, your sesame score has reached more than 700 points, and there is no obvious benefit, just watching sesame score is better.
There may be more discounts in the future.
Now, sesame is 700 points, so I can't give you any more discount. But if you keep the sesame score above 700 for a long time, it may bring you some considerable benefits in the future.
1, credit rating
In the future, if the bank's credit rating can refer to sesame score, then if your sesame credit score is high, your mortgage may also be appropriately reduced. If you can apply this result, you can get a considerable discount when you mortgage your house.
2. Other payment applications
If the application scope of Alipay becomes wider and wider in the future, it can even be applied to more countries. If your sesame score is above 700, you may enjoy the function of giving priority to the use of flower buds when you spend abroad, which may save you the trouble of changing foreign exchange and handling credit cards.
3. Some preferential projects in the future
If Alipay continues to develop in the future and can penetrate into all aspects of life, then as long as you have high scores and new functions, you can open the application at the first time. Although you may not need it this way, it will be more convenient if you want to use it.
To sum up, the sesame score has risen to more than 700 points, but now it is just a little better, and it has not brought many very favorable things. But if sesame seeds can be used for credit rating in the future, you may enjoy a more favorable interest rate when you borrow money. In the future, as long as you get a high score, you will also enjoy some preferential payment terms and many new functions.
Thanks for reading!
My sesame score is 784. Why did you give me so many points? What's the use? I dare not say or ask, it's just a string of numbers, and my life seems to have nothing to do with its interests.
I just received news today that my credit score has been updated, and I just saw this problem. You said it was a coincidence, so I took a general look at it, such as exemption from inspection, preferential treatment, quick processing, finance and so on. If I don't open it, some words still can't be read. As far as my IQ is concerned.
Free, as the name implies, any hotel, car, charging treasure, car rental, cycling and so on are free of deposit.
Enjoy first, shopping, physical examination, any mutual aid meeting, online car rental, etc. , you can experience it first and then pay.
Special benefits, no recharge for eating, drinking and having fun, no pre-storage for charging piles, no pre-storage for communication, overdraft and so on.
Make a quick decision, recover the goods, collect the money first and then deliver the goods, the visa can be exempted from financial proof, and the international tax refund can be returned in person.
Finance, reserve funds can be borrowed twice a month, credit consumption is long and interest-free, credit loans can be borrowed and repaid, and so on.
The operation of a meal is as fierce as a tiger A closer look seems to have little to do with me. I can't use too much. My guess is that I can use it first. Take immunity as an example. Sorry, the county is a bit backward. I can't find a riding experience, so I can only go to the restaurant to find a charging treasure and the like.
So, what will happen? Yes, quite a few. The key is to see if these things are useful, otherwise, just like me, watching them go up every month, they basically won't open.
Nothing will happen.